So you're suggesting to draw (trace) some lines over the photo in Xara to add to the effect? I thought maybe a plugin or something could be used. I tried the Little Ink Pot's Thredgeholder, but the lines weren't very dark... I could play with this some more, maybe put several copies on top of each other, etc. If I were to trace the lines, what areas of the photo would you suggest to highlight with lines?

I'll also try your suggestion of the posterizing filter. I don't have a lot of 'art' background, so I see a technique like this and go, "oh wow, that looks cool" without really knowing all the 'artistic's' behind why it looks good. So this is a total learning experience for me when you describe what looks 'watercolored' and so on... My experience is more photography, crafts... (origami, paper models and so on). I'm eager to learn as long as there's those willing to teach. I appreciate your feedback.

Craig